Meta wants Muse to take errands off your hands. But if your to-do list involves your Chase account, you’re still doing the banking yourself.

JPMorgan Chase is blocking outside AI agents, including services like Meta's Muse and Instinct, from directly accessing retail customers' accounts and acting on their behalf, CNBC reported. Coming weeks after Amazon blocked Muse from shopping on its site, the restriction puts another dent in the idea of one assistant that can handle your everyday tasks.

Speaking during the bank’s Oct. 13 earnings call, CEO Jamie Dimon warned about potentially thousands of rogue agents.

"We’re not going to allow just any … outside agent to come in inside the company, because it’s just too risky for clients and for JPMorgan," Dimon said.

Dimon isn't the only financial leader worried about AI agents. Recently, Bank of America and other major banks issued a warning about AI agents and the potential fraud risks associated with them.

A Chase spokesperson confirmed to CNBC that third parties cannot obtain customers' banking credentials and log in on their behalf. There's no timeline for when the bank might allow agents to interact directly with customer accounts.

An assistant might be able to help you figure out what to do with your money. Actually moving it is where Chase draws the line.

The bank still supports secure, customer-authorized data sharing through open banking providers, allowing an agent to access certain information, such as account balances, through an approved connection. That access does not extend to sending money or paying bills.

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